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Category Archives: Homeowners Insurance


What Happens When Repairs are Insurable but also Excluded Under Your Policy?

By Celeste Law Firm |

When your home needs repairs that are covered by your homeowner’s insurance policy, it should be relatively easy to process except in those circumstances where effectuating repairs requires replacing other parts of property that were not originally damaged. What Insurance Companies Commonly Do This problem happens more often than you may think. Imagine a… Read More »


Common Homeowners’ Policy Exclusions

By Celeste Law Firm |

Your homeowners’ insurance policy is a lengthy confusing document that you would hope covers whatever catastrophe befalls you. But it does not. There are as many exclusions as there are inclusions of damage. Failure to Maintain Almost any kind of damage that is caused by your failure to maintain the property will not be… Read More »


Who Can Properly Appraise a Homeowners’ Insurance Claim?

By Celeste Law Firm |

People are forced to file a homeowners’ insurance claim when the insurance company refuses to pay for a loss, arguing that the cause of the loss is excluded under some part of your homeowners’ insurance policy. There are some instances when the insurance company may agree that there is covered loss but dispute the… Read More »


Intruding Squirrel Causes Property Damage

By Celeste Law Firm |

A while back we wrote about a family whose home was trashed by a rampant alligator, and about how their homeowners’ insurance policy refused to pay for that damage. It appears that someone else’s home has been destroyed by a wild animal, although this one was not nearly as menacing: A squirrel. Squirrel Causes… Read More »


Make Sure You Have Homeowners’ Insurance Coverage for Sewage Damage

By Celeste Law Firm |

Raw sewage: It isn’t a pleasant topic to think about or discuss. It’s particularly disgusting when speaking about it in places it’s not supposed to be, like on the floors or carpets of your home. But before you think this is a highly unlikely occurrence, a recent incident in Ft. Lauderdale may change your… Read More »


Insurance Company Tries to Punish Homeowner for Acts of a Third Party

By Celeste Law Firm |

While a homeowners’ insurance case is going on, both sides have the right to know what evidence the other intends to produce at trial. However, in a recent case, an insurance company went too far, trying to punish a homeowner for something that neither he nor his attorneys had any control over. Adjuster Fails… Read More »


Obtaining a Homeowners’ Insurance Claims File Can be Difficult

By Celeste Law Firm |

When your homeowners’ insurance company denies your claim, you most likely will have to file a lawsuit to recover. Like any lawsuit, winning a homeowners’ insurance trial means getting the proper evidence that is needed before the trial. Unfortunately, too many insurance companies deny or lowball the claim, and then try to stonewall in… Read More »


How Are Attorneys Paid in Personal Injury and Insurance Cases?

By Celeste Law Firm |

Some of the biggest hurdles in hiring an attorney for most people are concerns about paying the attorney. Unfortunately, big business and insurance companies often fuel this concern, putting out false news stories or “helpful” websites that may warn consumers about how much it will cost to hire an attorney. In some cases, insurance… Read More »


Be Prepared for the Upcoming Hurricane Season

By Celeste Law Firm |

Hurricane season is approaching quickly, and although this happens every year, surprisingly, many people still don’t bother to take inventory of their homeowners’ policy to make sure it fully covers your property. Here are some basics that you should check before a storm strikes. Flood Insurance Remember that your regular homeowners’ policy does not… Read More »


Are You Owed Interest on Your Homeowners ‘Insurance Claim?

By Celeste Law Firm |

You may think of interest as money that is paid for the cost of borrowing someone else’s money, and as a concept that exclusively applies to a lender-borrower relationship. You may not even consider how you, as someone who makes a homeowners claim, may be entitled to interest from your insurance company. When a… Read More »

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